Borrowing in 2026: What you’ll actually experience
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Borrowing in 2026: What you’ll actually experience
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概要
In this episode, we sit down with Andrew Steadman, Chief Product Officer at SBS, to explore the lending trends borrowers will genuinely feel this year and beyond. We cut through the noise around AI to look at where it is actually delivering value for borrowers, and where it’s falling short due to poor data quality, lack of transparency, and trust issues. Andrew shares how better use of data, particularly through open banking, can lead to fairer, more informed loan decisions that protect both lenders and borrowers. We discuss why explainability is critical for AI-driven decisions, what lessons the industry has learned the hard way, and how regulation is shaping a more transparent future. The conversation also turns practical: what are the first simple steps lenders can take to make real progress without overhauling their entire systems? Finally, we fast-forward two years to imagine what lending could look like, what will be faster, cheaper, or safer, what role humans will still play, and why the borrower experience at the point of need remains the biggest opportunity for change.
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